LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,223
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,314
−HK$2,124/mo
Today · 4.125%
HK$71,438
baseline
▲ 0.50% · 4.625%
HK$75,785
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,876/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,785
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,790
−HK$2,035/mo
Today · 4.125%
HK$78,825
baseline
▲ 0.50% · 4.625%
HK$82,980
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,650/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,667
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,176
−HK$2,550/mo
Today · 4.125%
HK$85,726
baseline
▲ 0.50% · 4.625%
HK$90,942
+HK$5,216/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,452/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,741
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,148
−HK$2,442/mo
Today · 4.125%
HK$94,590
baseline
▲ 0.50% · 4.625%
HK$99,576
+HK$4,986/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,180/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,112
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,039
−HK$2,974/mo
Today · 4.125%
HK$100,013
baseline
▲ 0.50% · 4.625%
HK$106,099
+HK$6,086/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,026/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,698
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,506
−HK$2,849/mo
Today · 4.125%
HK$110,355
baseline
▲ 0.50% · 4.625%
HK$116,172
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,710/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,001
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,765
−HK$3,824/mo
Today · 4.125%
HK$128,589
baseline
▲ 0.50% · 4.625%
HK$136,413
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,178/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,612
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,222
−HK$3,663/mo
Today · 4.125%
HK$141,885
baseline
▲ 0.50% · 4.625%
HK$149,364
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,770/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,913 · Scale 2, in force from 26 Feb 2026)